paylo.hk香港信用卡比較平台
Hong Kong credit card rankings · 5 cards · verified 2026-09-10

Premium Credit Cards

Cards requiring HK$240,000+ annual income, ranked by real reward value net of standard fees. Ranked #1 right now: HSBC Hong Kong HSBC Premier Mastercard (Income HK$1000k). Every card shown passes a high-confidence verification and freshness gate — sources and check dates are published per card.

Computed from published rates, caps, standard fees and live offers; top rates usually carry merchant, registration or minimum-spend conditions — see each card page (中文) for the verified fine print.

  1. 1
    HSBC Hong KongHSBC Premier MastercardHSBC Premier Mastercard 信用卡官方卡面
    HSBC Hong Kong
    HSBC Premier Mastercard
    Income HK$1000kAnnual fee: No annual fee
    Details
  2. 2
    DBS Hong KongDBS Black American Express CardDBS Black American Express Card 信用卡官方卡面
    DBS Hong Kong
    DBS Black American Express Card
    Income HK$240kAnnual fee: HK$2,000 (waivable)
    Details
  3. 3
    Bank of China Hong KongBOC SOGO Visa CardBOC SOGO Visa Card 信用卡官方卡面
    Bank of China Hong Kong
    BOC SOGO Visa Card
    Income HK$300kAnnual fee: HK$2,000 (waivable)
    Details
  4. 4
    Bank of China Hong KongBOC Chill CardBOC Chill Card 信用卡官方卡面
    Bank of China Hong Kong
    BOC Chill Card
    Income HK$300kAnnual fee: HK$3,800 (waivable)
    Details
  5. 5
    Citibank Hong KongCiti Prestige CardCiti Prestige Card 信用卡官方卡面
    Citibank Hong Kong
    Citi Prestige Card
    Income HK$600kAnnual fee: HK$3,800
    Details

FAQ

Which is the best premium credit cards in Hong Kong right now?
Based on verified issuer data, HSBC Hong Kong HSBC Premier Mastercard ranks #1 (Income HK$1000k). The best card for you depends on your own spending — the ranking uses a reference profile with all monthly and pooled caps applied.
How is this ranking computed?
From published reward rates, monthly and pooled caps, standard annual fees and live welcome offers — a reproducible calculation over verified data. Sponsorship or commissions never affect the order.
How fresh is the data?
Offers are monitored daily and every card is re-checked on a risk-based schedule; cards that fall outside the freshness window are hidden rather than shown stale. Latest verification: 2026-09-10.
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paylo.hk is a Hong Kong credit-card comparison site with a fail-closed publication gate: cards we cannot verify to a high confidence against official issuer sources are hidden, not guessed. Card detail pages are in Cantonese; the numbers are universal. Not a bank; always confirm terms with the issuer.